Firstly apologies because this is going to be a long one. My main question is why was my wife put in to a DMP instead of an IVA.
Nearly 6 years ago now we hit the buffers and had to get help and we chose Payplan (who I now despise with a passion, truly awful company). I was clueless and had no knowledge of IVA's and DMP's and just allowed Payplan to explain and recommend as to how we progressed forward. I would have took advise from a chimp at the time if it meant getting out of the financial hole we were in.
I was advised to take the IVA route while my wife was told to go down the DMP route. From memory, I am fairly sure the reason my wife was put in a DMP was down to the amount owed.
Debts in my name were approaching 60k
Debts in my wifes name were approx 10k
We had one joint account owing 4k
So at the time I thought my wife had debts of £12,000 but recently realised it would have been nearer £14k because the full amount of the joint debt would have been included and not halved as I had originally thought.
Having now been through the IVA and spent hours reading this forum, I have a much better understanding of things but I cannot understand why my wife was not put on an IVA or a joint one if joint ones exist? That is my main question and any pointers as to why would be greatly appreciated.
But things get worse and have a bearing on the above question.
I admit to ignoring my wifes DMP, I just let it roll on over the years. I put all my energy in to getting through my IVA which is now complete with my completion certificate and my name is now off the register and the plan was then to concentrate on the DMP. My wife had never received a statement and back in March 2017 I asked her to contact Payplan and get an up to date statement so I could start planning ahead. The statement showed she owed just shy of 5k. I had no idea how much we had paid over the years but I'll admit to being pleasantly surprised. She then received another statement in March 2018 showing she owed around £4,500. By now I had completed my IVA and could start planning to clear the DMP. Roughly 6 weeks ago I got my wife to phone and get the exact figure to fully pay it up. Payplan came back with a figure of 19k. I laughed and said to my wife its a mistake, don't worry.
We fired an email off querying the amount and had a reply stating the amount was correct and in 2016 a staff member in Payplan had 'done a typo'. She said sorry and do I want to make the payment? To jump from £4,500 to nearly 19k was a shock. To cut a very long story short, over the next 48 hours Payplan came up with 3 more different figures and not one of them made any sense, all these 'correct' figures varied by thousands and never once did we get an explanation as to how they arrived at each figure, it was as if they had plucked figures from thin air. In one email, the first paragraph confirmed the figure then the second paragraph started by saying, oh actually that should be 15k, sorry about that and not a word of explanation!!
From what I understand now, the typo was to the tune of 10k and went unnoticed by Payplan for well over 2 years and further to this back in 2014, Payplan realised one of the debts put in to my IVA was joint and should have been included in my wife's DMP so Payplan decided it was ok and fair to just add it to my wife's DMP, mid term without any kind of notification what so ever. Payplan had never sent any statements so we were unaware of the 10k typo when it actually happened or the fact another debt had been added so when we requested a statement in March 2017 everything looked right to us.
So now going back to my IVA or DMP query, if Payplan had not messed up on day one and included the other account that was joint, my wife actually had debts of 19k and in my opinion most certainly should be in an IVA?
I should add that in late 2013, Shoosmiths solicitors started acting on behalf of NatWest and it was their involvement that brought up the fact Payplan had not included a joint account in my wife's DMP and we only found this out in the last 6 weeks.
My second question is, with the way Payplan have messed up my wife's DMP account and throwing figures around like confetti, do I have a right to feel aggrieved? My IVA from the very start to the very end was a shambles and run in the same careless, couldn't give a damn attitude.
6 years down the line, my wife still owes £14,500